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Stolen Tools? How Inland Marine Insurance Protects Your Gear on the Job Site

For a professional contractor, your tools are your livelihood. From high-end power drills and diagnostic equipment to heavy-duty generators and specialized saws, your inventory represents a massive financial investment. But unlike a traditional office-based business, your "office" changes every week. Whether your gear is in the back of your truck, stored in a job site trailer, or sitting on a client’s property, it is constantly exposed to risks like theft, vandalism, and accidental damage. If you have ever arrived at a job site only to find your tool chest broken into, you know the sinking feeling of realizing you can't work—and you're out thousands of dollars. Many business owners mistakenly assume their general liability or commercial property insurance covers these losses. Unfortunately, that isn't always the case. This is where Inland Marine Insurance —the industry’s best-kept secret for tool protection—comes into play. The Gap in Standard Coverage: Why Your T...
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What is a COI? Why a Certificate of Insurance is Your Most Important Sales Tool

In the world of professional contracting, your tools are not just the hammers, saws, and drills in your truck. One of the most powerful instruments for growing your business is a single sheet of paper: the Certificate of Insurance, commonly known as a COI. If you have ever been asked by a potential client or a general contractor to "send over your COI" before stepping onto a job site, you know how critical this document is. However, a COI is far more than just a bureaucratic requirement or a proof of expense. It is a fundamental sales tool that builds immediate trust, proves your legitimacy, and protects your financial future. Understanding the Basics: What Exactly is a COI? A Certificate of Insurance is a standardized summary of your existing business insurance coverage. Usually issued on an ACORD 25 form , it provides a snapshot of your policy details in an easy-to-read format. While a full insurance policy can be dozens of pages of legal text, a COI condenses the most vita...
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